The ultimate promotional finance offer, interest-free finance. Our 0% APR finance loan terms are for 12 months, with 10% minimum deposit requirements.
This option can help customers to budget for major purchases. We offer this traditional loan product over terms of 12-36 months, with representative APRs ranging from 9.9% to 19.9%.
Spreading the cost of your purchase across monthly payments is easy. Finance is available on purchases made in-store as well as mail-order via a requested link from Dave Mellor Cycles.
V12 Terms and Conditions
We offer V12 0% APR Interest Free options over 6 and 12 months in addition to V12 Classic credit* with interest charged.
We offer 0% APR Finance options on RRP products.
We offer V12 Classic Credit* with interest charged on Sale/Discounted products.
A minimum deposit of 10% up to Max 50% of the order value is required by either credit or debit card.
Please note that Finance is not available with Cycle To Work scheme orders.
*Interest rates are subject to change. Please check for the most up to date rates.
Customer Lending Criteria:
Is 18 or older.
Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part time work or in receipt of a disability benefit.
Has been a resident in the UK for at least 3 years.
Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable.
Has a Bank or Building Society current account available – this is required to complete the direct debit instruction.
Has an email address to receive the important information throughout the application process, including their signed credit agreement.
Dave Mellor Cycles Limited is authorised and regulated by the Financial Conduct Authority and is the broker and not the lender. Our firm reference number is 728656. Dave Mellor Cycles Limited offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance. Credit is provided subject to affordability, age and status. Minimum spend applies.
Customer feedback is welcomed along with any complaints or concerns to our email address. If you are dissatisfied with our response regarding complaints or concerns and you have an agreement which is regulated by the Financial Conduct Authority, you have the right to refer your complaint to the Financial Ombudsman Service, free of charge, but you must do so within six months of the date of the final response or 8 week holding letter. Further information and contact details can be found on: www.financial-ombudsman.org.uk